First Peoples Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 12.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (9.1). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.7) profitability.
Asset Mix:
Home mtgs (28%), consumer loans (18%), securities (1%), other (53%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
153 Baltimore Street
Cumberland, MD 21502
Cumberland, MD 21502
Phone Number
(301) 784-3000
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
Upper Marlboro, MD
Laurel, MD
Suitland, MD
Cumberland, MD